Introduction
This employee benefits guide highlights various benefit plans offered at Cold Spring Harbor Laboratory (CSHL). As you look to make decisions regarding medical benefits for you and your family, you should be aware that the available medical plans provide you access to one of the country’s largest provider networks, United Healthcare (UHC). You also have the freedom to select any provider in their network without obtaining a referral. The UHC network includes many top- tier specialist hospitals such as Memorial Sloan Kettering Cancer Center (MSK), St. Francis Hospital, and Hospital for Special Surgery. CSHL remains committed to providing excellent health coverage for our employees. As part of that commitment, we continuously monitor the health plans to ensure an appropriate balance between coverage and cost. In 2023, the operating costs for our health plans were substantially costlier than in previous years that it necessitated our administration to reevaluate and modify the health plans that we currently offer. We have been able to maintain consistent levels of employee cost-sharing (copays, deductible and coinsurance) for many years, at this time we have no other option but to share some of these costs with employees. Following are an example of how the UHC Choice Tiered will be changing.
Type of Procedure
Where Procedure is Performed
Freestanding Facility
Hospital-based Center
In-Network Doctor’s Office
95% after a $250 per occurrence deductible 95% after a $250 per occurrence deductible 20% after satisfying a $400 annual deductible 20% after satisfying a $400 annual deductible
Scopic Procedures Outpatient
5%*
$20/$35 copay, then 100%*
Outpatient Surgery
5%*
$20/$35 copay, then 100%*
Outpatient Lab/ X-Ray
5%*
$20/$35 copay, then 100%*
CT Scans, PET Scans, MRI, MRA & Nuclear Medicine
5%*
$20/$35 copay, then 100%*
*No Deductible
These are difficult but necessary decisions to safeguard the financial strength of the Laboratory while continuing to offer health plans that meet the needs of our employees. As you look to decide which plan best meets your needs, please take the time to review the various plan details and research doctors on the UHC provider network on www.uhc.com. We have included the following definitions section to assist you in understanding the information throughout this guide.
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